About Forces Plan

Forces Plan Kit Essentials

Kit Essentials insurance is our entry-level military cover, typically suitable for single and unaccompanied married people in Single Living Accommodation or similar.

Permanent & temporary issue military kit

Personal property including gadgets and room contents

Money, valuables and sports equipment

Licence to Occupy Liability and Public Liability

Accidental damage and new for old replacement

Worldwide cover for your personal property

With a choice of cover options you will be able to build a policy to suit your needs. Here's what can be included.

KIT ESSENTIALS FEATURES

COVER

Standard excess

£50

Military kit

£2,000 - £10,000

This cover is automatically included unless you are a civilian.Permanent and temporary issue kit on personal charge to you. Service uniforms, mess kit and equipment of a military nature purchased and owned by you. It excludes damage caused during cleaning, dismantling or maintenance.

Personal property

£0 to £15,000

Worldwide cover for all of the following is included, provided that they belong to you or you are legally responsible for them.

Single article limit: £2,500 or the sum insured if you have chosen lower cover.

Automatically included if you live in MOD accommodation. This specialist military cover is vital for tenants of service accommodation. Covering you for damage to your MOD property, you will not find this cover included in standard civilian policies.

Pays for costs and expenses arising if you become liable to pay compensation for accidental death or damage to property. Action must be taken against you from within the UK, Isle of Man or the Channel Islands.

Notable exclusions

KIT ESSENTIALS DOES NOT COVER

Unoccupied or unattended property

Theft from an unattended vehicle unless secure and out of sight

Damage caused by pets or vermin

Mechanical breakdown or data loss

Depreciation or wear and tear

Adjust cover at any time

We know that your circumstances can change at short notice, so whether you're in the UK, on manoeuvres or deployed on ops, you can adapt your cover at any time without paying a penalty.

Monthly Direct Debit & no renewals!

And, to make life even easier, Forces Plan policies renew on a rolling monthly contract - meaning you never need the hassle of annual insurance renewals.
Just set it up once and you'll receive a monthly email confirming when payment will be made. It's that simple!

Cherish Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 304153.
You can check this on the Financial Services Register by visiting the FCA website or by calling the FCA on 0800 111 6768.
Cherish Insurance Brokers Limited is a member of SIIAP which is recognised by the MOD.